Mortgages with a default

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Can I get a mortgage with a default?

Yes, you can get a mortgage with a default! But it can be more difficult compared to someone with cleaner credit, but there are specialist lenders that are willing to lend to you. You’ll just have to meet their particular lending criteria.

Just as lenders have their own different lending criteria, they also view different kinds of defaults differently too. For example, if you’ve got a default on your mobile phone contract, most lenders won’t take that as seriously as a default on a secured loan.

If you have other credit issues (such as a CCJ or IVA) in addition to a default, your mortgage application will be more complicated.

It’s a good idea to check your credit history to see what’s on there before you apply for a mortgage. We recommend using checkmyfile as it gives you a complete and thorough review of your current credit report.. It’s also best to work with a specialist mortgage broker who’ll be able to advise you on your options.

What is a default?

How does a default affect your credit score?

Do I need a larger deposit if I have a default?

How long do defaults stay visible on your credit file?

How much can I borrow if I have defaults?

How soon after a default can I get a mortgage?

Can you get a default removed?

Should I improve my credit score before applying for a mortgage?

How can I improve my credit score before getting a mortgage?

Why use Haysto?

We get how it feels when you’re refused a mortgage. We’ve been there. Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating, you’re self-employed with a complex income, or just don’t fit the mould, the odds are completely stacked against you. We just don’t think that’s fair.

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We help when others won’t

Unlike others, we only work on bad credit, self-employed and complex mortgages. That’s all we do. And we’re up for a challenge.

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Speak to a real person

No robots, no automated answers. We use technology to connect you to a real person. Not replace them.

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Your success is our success

We only get paid when your mortgage is approved.

SAY HELLO TO YOUR SPECIALIST BROKER

Using our platform guarantees you’ll be matched with an expert who has a proven track record of making mortgages possible for people like you. Less processing, more understanding.

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Ben Patten

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Image of mortgage broker Luke Grosse

Luke Grosse

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Image of mortgage broker Sarah Earnshaw

Sarah Earnshaw

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Image of mortgage broker Yogesh Parekh

Yogesh Parekh

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Image of mortgage broker Jemma Talliss

Jemma Talliss

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Image of mortgage broker Paul Clark

Paul Clark

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Image of mortgage broker Lynn Cutts

Lynn Cutts

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Image of mortgage broker Steve Hatton

Steve Hatton

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Image of mortgage broker Jeanette Clark

Jeanette Clark

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Image of mortgage broker Carrie Knight

Carrie Knight

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Image of mortgage broker Jonathan Hunting

Jonathan Hunting

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Our Guides

Applying for a mortgage or understanding your options shouldn't be confusing, yet there are just so many myths doing the rounds and it's not easy to know where to turn to get the right advice.

Get connected to a default specialist mortgage broker who can make a mortgage possible for you.

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